Pre-Bankruptcy Credit Counseling is required before Chapter 7 bankruptcy in the United States. All of the following services that require you to pay are also required to offer their services for free. After applying for 5 of these services, all 5 declined my application and required personal information I was not comfortable giving. The cheapest bankruptcy counseling certificate from the Tides Center no longer exists, and even that costs $5.
Those thinking of filing for bankruptcy will not want to spend more than $50 for this service, and they are all comparable in time, because the law requires the course to be 60-90 minutes.
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